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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,803 | $56,484-77.3% | $169,452-92.4% | $64,173-80.0% |
| Participation rate | 21.6% | 64.5%-42.9pp | 77.8%-56.1pp | 69.6%-47.9pp |
| Annual return | 38.06% | -1.55%+39.6pp | 1.83%+36.2pp | 7.63%+30.4pp |
| Employer contribution / active EE | $495 | $1,832-73.0% | $4,157-88.1% | $2,381-79.2% |
| Participant deferral / active EE | $1,039 | $3,448-69.9% | $5,277-80.3% | $3,470-70.1% |
| Admin fee / account holder | $13 | $4,174-99.7% | $9,110-99.9% | $4,887-99.7% |